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Bill Cates on How Your Money Story Shapes Your Pricing

December 3, 2025 by John Ray

How Your Money Story Shapes Your Pricing: Bill Cates on The Hidden Heist, on The Price and Value Journey podcast with host John Ray

North Fulton Studio

Bill Cates on How Your Money Story Shapes Your Pricing

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How Your Money Story Shapes Your Pricing: Bill Cates on The Hidden Heist (The Price and Value Journey, Episode 154)

Many expert-service pros quietly carry money worries into every pricing decision they make. They undercharge, hesitate to raise fees, or avoid looking too closely at their finances, even while they help clients make sound business decisions. In this episode of The Price and Value Journey, John Ray talks with referral and money-story expert Bill Cates about how the stories you absorbed about money early in life still shape your business today.

Bill shares ideas from his new parable, The Hidden Heist: Stop Robbing Yourself of Lasting Wealth, and explains why so many professionals operate from scarcity, money anxiety, and what he calls “money denial.” He and John connect those mindsets to common pricing traps, like discounting by reflex, staying in “satisfied” territory instead of becoming truly remarkable, and quietly resenting clients while never asking for referrals.

Listeners will hear how to think of money as something that flows toward value, why you cannot become someone you secretly resent, and how inherited beliefs about “people with money” can cap your earning potential. Bill also talks about building “business friendships” that lead to advocacy and why curiosity and empathy are the best tools you have to uncover a client’s own money story.

If you want to strengthen your pricing, feel more grounded talking about fees, and stop letting old money narratives run your firm from the shadows, this conversation will help you start that work.

The Price and Value Journey is presented by John Ray and produced by North Fulton Business Radio, LLC, an affiliate of the Business RadioX® podcast network.

Key Takeaways You Can Use from This Episode

Notice the money messages you grew up with and how they still show up in your pricing, discounting, and growth decisions.
Shift from a fixed-pie view of money to seeing it as something that flows toward genuine value and outcomes.
Move from “my clients are satisfied” to “my clients love me” and then to being truly remarkable and referable.
Build “business friendships” with clients, where strong results and genuine personal connection sit side by side.
Use curiosity and follow-up questions to surface a client’s hidden money beliefs so you can serve them better and avoid false assumptions.
Stop money denial by taking responsibility for your own financial clarity instead of abdicating everything to advisers.

Topics Discussed in this Episode

00:00 Welcome and Introduction to Bill Cates
01:59 Bill Cates’ Background and Adventures
03:05 The Hidden Heist: A Unique Approach to Financial Literacy
04:56 Understanding Money Stories and Limiting Beliefs
07:31 The Scarcity Mindset and Its Impact
10:47 Getting into the Flow of Money
17:41 Inherited Money Stories and Their Effects
22:32 The Power of Awareness and Money Stories
22:45 Basic Financial Principles
22:59 Working with Financial Professionals
23:16 Understanding Money Mindsets
24:53 The Importance of Masterminds and Advisory Boards
27:05 Money Denial and Its Impact
32:17 The Role of Financial Advisors
37:04 Empathy and Client Relationships
41:15 Conclusion and Resources

Bill Cates, Referral Coach International

Bill Cates is an internationally recognized expert in relationship marketing and referrals, serving as the president of Referral Coach International and the founder of The Cates Academy for Relationship Marketing, where he assists financial advisors and other professionals in achieving exponential growth by multiplying their best clients through warm introductions rather than traditional prospecting. He is a Hall of Fame keynote speaker and bestselling author of books such as Get More Referrals Now, Beyond Referrals, Radical Relevance, and The Language of Referrals. Additionally, he hosts the Top Advisor Podcast, interviewing top performers about client acquisition and growth strategies.

Referral Coach International is Bill Cates’ consulting and training firm dedicated to helping advisors, teams, and organizations build a referral‑driven, relationship marketing culture based on how clients actually prefer to meet new advisors: through recommendations and introductions from people they already trust. The firm’s unique Bill Cates Relationship Marketing System and the “3 R’s of Relationship Marketing” focus on identifying a specific target market, clearly communicating valuable information, building a strong reputation in a niche area, and then using that reputation to generate a steady stream of suitable client referrals and introductions.

RCI delivers its work through video-based training, one‑on‑one and team coaching, live workshops, and consulting, with a particular emphasis on financial advisors and advisory firms that want to increase revenue without increasing their marketing budget. Across these programs, the aim is to help professionals become “super referrable,” systematize how they ask for and receive introductions, and create a business where high-trust, high-conversion referral opportunities are a primary engine of growth.

Website | LinkedIn | YouTube

John Ray, Host of The Price and Value Journey

John Ray, Author of The Generosity Mindset and Host of The Price and Value Journey — John Ray, Author of *The Generosity Mindset* and Host of *The Price and Value Journey*

John Ray is the host of The Price and Value Journey.

John owns Ray Business Advisors, a business advisory practice. John’s services include business coaching and advisory work, as well as advising solopreneurs and small professional services firms on their pricing. John is passionate about the power of pricing for business owners, as changing pricing is the fastest way to change the profitability of a business. His clients are professionals who are selling their expertise, such as attorneys, CPAs, accountants and bookkeepers, consultants, coaches, marketing professionals, and other professional services practitioners.

John is a podcast show host and the owner of North Fulton Business Radio, LLC, an affiliate of Business RadioX®. John and his team work with B2B professionals to create and conduct their podcast using The Generosity Mindset® Method: building and deepening relationships in a non-salesy way that translates into revenue for their business.

John is also the host of North Fulton Business Radio. With over 900 shows and having featured over 1,300 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in its region like no one else.

John’s book, The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices

John Ray is the author of the five-star rated book The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices, praised by readers for its practical insights on raising confidence, value, and prices.

If you are a professional services provider, your goal is to do transformative work for clients you love working with and get paid commensurate with the value you deliver to them. While negative mindsets can inhibit your growth, adopting a different mindset, The Generosity Mindset®, can replace those self-limiting beliefs. The Generosity Mindset enables you to diagnose and communicate the value you deliver to clients and, in turn, more effectively price to receive a portion of that value.

Whether you’re a consultant, coach, marketing or branding professional, business advisor, attorney, CPA, or work in virtually any other professional services discipline, your content and technical expertise are not proprietary. What’s unique, though, is your experience and how you synthesize and deliver your knowledge. What’s special is your demeanor or the way you deal with your best-fit clients. What’s invaluable is how you deliver outstanding value by guiding people through massive changes in their personal lives and in their businesses that bring them to a place they never thought possible.

Your combination of these elements is unique in your industry. There lies your value, but it’s not the value you see. It’s the value your best-fit customers see in you.

If pricing your value feels uncomfortable or unfamiliar to you, this book will teach you why putting a price on the value your clients perceive and identify serves both them and you, and you’ll learn the factors involved in getting your price right.

The book is available at all major physical and online book retailers worldwide. Follow this link for further details.

Connect with John Ray:

Website | LinkedIn | Email

Business RadioX®: LinkedIn | Twitter | Facebook | Instagram

Donald Farrey on Eliminating Debt and Budgeting

July 21, 2025 by John Ray

North Fulton Business Radio

Donald Farrey on Eliminating Debt and Budgeting

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Donald Farrey on Eliminating Debt and Budgeting (North Fulton Business Radio, Episode 887)

Donald Farrey, a CPA and a Dave Ramsey Preferred Financial Coach, joins North Fulton Business Radio host John Ray to share how he helps high-income individuals and couples get out of debt, stay on top of their money, and stop living paycheck to paycheck, even when that paycheck is a big one.

After a long career in finance and real estate, a cancer diagnosis led Don to rethink his path. He now focuses on helping others avoid the stress and confusion that often come with money. In this episode, he explains how practical tools like the EveryDollar app and proven methods like the debt snowball can make a real difference.

Don also talks about common financial blind spots, how money can create tension in relationships, and why budgeting doesn’t mean giving up fun. If you’ve ever wondered why your income doesn’t seem to stretch as far as it should, this episode is for you.

John Ray is the host of North Fulton Business Radio. The show is produced by John Ray and North Fulton Business Radio, LLC, an affiliate of Business RadioX®, and is recorded inside Renasant Bank in Alpharetta.

Key Takeaways from this Episode

Don Farrey works primarily with high-income individuals and couples to eliminate financial stress, reduce debt, and build a better future.
As a Dave Ramsey Preferred Financial Coach, Don uses proven tools like the debt snowball and EveryDollar budgeting app to help clients gain control.
Budgeting isn’t about depriving yourself; it’s about spending intentionally on what matters most.
Don emphasizes communication between couples as the foundation for financial success in marriage.
He helps clients identify and plan for “total cost of ownership” and avoid the cultural trap of keeping up with the Joneses.
Emergency funds and intentional planning protect against inevitable disruptions like job loss or illness.
Accountability is critical. Most people don’t need more information; they need a partner to help them follow through.

Topics Discussed in this Episode

00:00 Introduction and Welcome to North Fulton Business Radio
00:35 Meet “Don the Money Man”
00:57 The Benefits of Renasant Bank
02:21 Don’s Financial Coaching Philosophy
05:00 Dave Ramsey’s Financial Principles
11:00 Budgeting Tips and Tools
13:01 Prioritizing Meaningful Experiences
14:09 Personal Stories and Financial Wisdom
16:14 The Problem with Excessive Spending
16:36 Marriage and Money: Navigating Financial Stress
17:24 Effective Budgeting and Communication
20:31 Planning for the Unexpected
23:01 When to Seek Financial Coaching
26:16 Success Stories and Practical Tips
29:42 Contacting Don the Money Man
31:10 Closing Remarks and Additional Resources

Donald Farrey, Don the Money Man, LLC

Donald Farrey is a CPA and Dave Ramsey Preferred Financial Coach who, after a distinguished career in real estate finance, transitioned to his true calling following his retirement in 2024 due to illness. Motivated by a lifelong passion for financial empowerment, he now dedicates his expertise to guiding individuals and families out of financial distress, equipping them with tools for lasting financial health.

With decades of hands-on experience in cost reduction, mortgages, purchasing vehicles, insurance decisions, and navigating special needs situations, Donald brings a wealth of practical knowledge to his coaching. His deep understanding of the unique challenges clients face allows him to offer tailored, compassionate guidance that supports confident financial decision-making and long-term security.

Website | LinkedIn

Renasant Bank supports North Fulton Business Radio

Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has become one of the Southeast’s strongest financial institutions, with over $17 billion in assets and more than 180 banking, lending, wealth management, and financial services offices throughout the region. All of Renasant’s success stems from each banker’s commitment to investing in their communities as a way to better understand the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Beyond Computer Solutions supports North Fulton Business Radio

If you’re a law firm, medical practice, or manufacturer, there’s one headline you don’t want to make: “Local Business Pays Thousands in Ransom After Cyberattack.” That’s where Beyond Computer Solutions comes in. They help organizations like yours stay out of the news and in business with managed IT and cybersecurity services designed for industries where compliance and reputation matter most.

Whether they serve as your complete IT department or simply support your internal team, they are well-versed in HIPAA, secure document access, written security policies, and other essential aspects that ensure your safety and well-being. Best of all, it starts with a complimentary security assessment.

Website | LinkedIn | Facebook | YouTube

About North Fulton Business Radio and host John Ray

With over 880 episodes and having featured over 1,300 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show invites a diverse range of business, non-profit, and community leaders to share their significant contributions to their market, community, and profession. There’s no discrimination based on company size, and there’s never any “pay to play.” North Fulton Business Radio supports and celebrates businesses by sharing positive stories that traditional media ignore. Some media lean left. Some media lean right. We lean business.

John Ray, host of North Fulton Business Radio, and Owner, Ray Business Advisors — **John Ray, host of *North Fulton Business Radio* and Owner, Ray Business Advisors**

John Ray is the host of North Fulton Business Radio. John and the team at North Fulton Business Radio, LLC, an affiliate of Business RadioX®, produce the show, and it is recorded inside Renasant Bank in Alpharetta.

The studio address is 275 South Main Street, Alpharetta, GA 30009.

You can find the full archive of shows by following this link. The show is available on all the major podcast apps, including Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

John Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants, bookkeepers, marketing professionals, and other professional services practitioners.

John is the national bestselling author of The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices.

Family or Finance?, with Anthony Chen, Host of Family Business Radio

May 20, 2025 by John Ray

Family Business Radio

Family or Finance?, with Anthony Chen, Host of Family Business Radio

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Family or Finance?, with Anthony Chen, Host of Family Business Radio

When you have a choice between family or finance, there’s not really a choice, says host Anthony Chen. Family always comes first.

Anthony’s commentary was taken from this episode of Family Business Radio. Family Business Radio is underwritten by Anthony Chen with Lighthouse Financial Network.

Transcript

As we’re closing out with Anthony’s Financial Take with our guest, Jacqueline Jensen here, I’m not sure I can even come up anywhere close in terms of dropping off better jewels of wisdom on the financial side other than to reiterate having that focus on what your life’s vision and goals are, particularly on the family side.

I may have already reiterated in the show and in the past that money can always be remade and earned back. You can’t buy back time; I’m just going to throw my bias hat out there. I’m going to agree with Jacqueline on here, and maybe it’s a little bit more personal for me, but if you come to the crossroads between finance, financial decisions, or family decisions, my bias would err a little bit more on the—I know it’s coming odd from a financial guy—more on the family than the financial side of things, but that’s my Financial Take.

Or maybe I should rebrand it to Family Take. But that’s the end for the show. So thank you for listening in to Family Business Radio.

Anthony Chen, Host of Family Business Radio

Family Business Radio is sponsored and brought to you by Anthony Chen with Lighthouse Financial Network. Securities and advisory services are offered through OSAIC, member FINRA/SIPC. RAA is separately owned, and other entities and/or marketing names, products, or services referenced here are independent of OSAIC. The main office address is 575 Broadhollow Rd., Melville, NY 11747. You can reach Anthony at 631-465-9090, ext. 5075, or by email at anthonychen@lfnllc.com.

Anthony Chen started his career in financial services with MetLife in Buffalo, NY, in 2008. Born and raised in Elmhurst, Queens, he considers himself a full-blooded New Yorker while now enjoying his Atlanta, GA, home. Specializing in family businesses and their owners, Anthony works to protect what is most important to them. From preserving to creating wealth, Anthony partners with CPAs and attorneys to help address all of the concerns and help clients achieve their goals. By using a combination of financial products ranging from life, disability, and long-term care insurance to many investment options through Royal Alliance, Anthony looks to be the eyes and ears for his client’s financial foundation. In his spare time, Anthony is an avid long-distance runner.

The complete show archive of Family Business Radio can be found by following this link.

Avoiding IRS Trouble, with Kristine Stevenson, Author, How to Avoid Trouble with the IRS

October 7, 2024 by John Ray

North Fulton Business Radio

Avoiding IRS Trouble, with Kristine Stevenson, Author, How to Avoid Trouble with the IRS

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Avoiding IRS Trouble, with Kristine Stevenson, Author, How to Avoid Trouble with the IRS (North Fulton Business Radio, Episode 808)

In this episode of North Fulton Business Radio, host John Ray interviews Kristine Stevenson, owner of Proverbs 16:16 LLC and author of How to Avoid Trouble with the IRS. Kristine shares her journey from struggling with personal debt to now helping others manage IRS issues, drawing from her experience as an IRS employee and her own past financial challenges. She emphasizes the importance of financial knowledge, particularly for self-employed individuals and small business owners. Kristine describes how her work with Dave Ramsey coaches, who were repeatedly asking questions about their own business, inspired her to write her book. She discusses some of the major ideas in the book, which offers straightforward tax tips for gig workers and contractors, and shares stories of clients she’s helped. The episode underscores the importance of financial coaching and the practical wisdom that can transform financial struggles into successes.

John Ray is the host of North Fulton Business Radio. The show is recorded and produced by the North Fulton affiliate of Business RadioX® inside Renasant Bank in Alpharetta.

Kristine Stevenson, Author, How to Avoid Trouble with the IRS

Kristine Stevenson is an Enrolled Agent with the IRS, founder of Proverbs 16:16 LLC, and the author of How to Avoid Trouble with the IRS: 10 Best Tax Tips for the Self-Employed, Gig Worker, and Indie Contractor. Proverbs 16:16’s message, “How much better to get wisdom than gold, to get insight rather than silver,” served as the inspiration for the name of her business.

Having completed the Ramsey Solutions Financial Coach Master Training program and now serving as a Dave Ramsey Preferred Coach, Kristine is equipped with advanced skills in financial coaching and debt management. This experience provides her with a strong foundation in personal finance principles and strategies for helping individuals overcome financial challenges, particularly those related to tax debt.

As a former employee and now an Enrolled Agent with the IRS, Kristine combines her financial coaching expertise with specialized knowledge of tax regulations and IRS procedures. She offers guidance and support to individuals struggling with tax-related financial issues, helping them navigate the complexities of dealing with the IRS, developing strategies for tax debt resolution, and negotiating tax debt settlements with the IRS.

Kristine has been quoted in Fox Business News, Marie Claire, Yahoo! Finance, Lovely Impact, Best Company, and U.S. News & World Report, to name a few. She speaks at various conferences, universities, and other gatherings of business owners. She hosts a live radio program, “Dollars & $ense℠ with Kristine,” in Central Texas.

Website | LinkedIn | Speaker Website

Topics Discussed in this Episode

00:00 Welcome to North Fulton Business Radio
01:36 Guest Introduction: Kristine Stevenson
03:31 Kristine’s Background and IRS Experience
04:49 Starting a Business and Financial Coaching
06:50 Common Financial Issues and Solutions
15:07 Writing the Book: How to Avoid Trouble with the IRS
21:20 The Importance of a Business Checking Account
24:01 Personal Milestones and Tax Issues
26:02 Client Success Stories
31:04 Home Service Professionals and Tax Compliance
34:49 IRS Programs and Relief Options
37:01 How to Get in Touch and Final Thoughts

Renasant Bank supports North Fulton Business Radio

Renasant Bank has humble roots, starting in 1904 as a $100,000 bank in a Lee County, Mississippi, bakery. Since then, Renasant has become one of the Southeast’s strongest financial institutions, with over $17 billion in assets and more than 180 banking, lending, wealth management, and financial services offices throughout the region. All of Renasant’s success stems from each of their banker’s commitment to investing in their communities as a way of better understanding the people they serve. At Renasant Bank, they understand you because they work and live alongside you every day.

Renasant Bank supports the Georgia Alliance for Breast Cancer

Georgia Alliance for Breast Cancer (formerly It’s The Journey) is a registered 501c3 non-profit that strives to support Georgia’s breast cancer community by raising funds to support breast health and breast cancer programs throughout the state of Georgia.

GAABC’s mission is to engage with Georgia’s breast cancer community to increase access to care and reduce disparities in cancer outcomes.

Randi Passoff, a breast cancer survivor, founded GAABC in 2002. She created “the kinder and gentler breast cancer walk” based off the Avon 3-Day Breast Cancer Walk. Instead of a 3-day walk of 60 miles over 3 days and sleeping in a tent, the Georgia 2-Day Walk covers 30 miles over 2 days, and participants sleep in a hotel. Most importantly, what’s raised in Georgia stays in Georgia.

Renasant Bank is a major supporter of GAABC, both in corporately donated funds and employee donations and participation in the walk.

To learn more about GAABC and the 2-Day Walk, go to the GAABC Website.

About North Fulton Business Radio and host John Ray

With over 800 shows and having featured over 1,200 guests, North Fulton Business Radio is the longest-running podcast in the North Fulton area, covering business in our community like no one else. We are the undisputed “Voice of Business” in North Fulton!

The show welcomes a wide variety of business, non-profit, and community leaders to get the word out about the important work they’re doing to serve their market, their community, and their profession. There’s no discrimination based on company size, and there’s never any “pay to play.” North Fulton Business Radio supports and celebrates business by sharing positive business stories that traditional media ignore. Some media leans left. Some media leans right. We lean business.

John Ray, Business RadioX - North Fulton, and Owner, Ray Business Advisors — **John Ray, Business RadioX – North Fulton, and Owner, Ray Business Advisors**

John Ray is the host of North Fulton Business Radio. The show is recorded and produced from the North Fulton studio of Business RadioX® inside Renasant Bank in Alpharetta. You can find the full archive of shows by following this link. The show is available on all the major podcast apps, including Apple Podcasts, Spotify, Google, Amazon, iHeart Radio, and many others.

The studio address is 275 South Main Street, Alpharetta, GA 30009.

John Ray also operates his own business advisory practice. John’s services include advising solopreneurs and small professional services firms on their value, their positioning and business development, and their pricing. His clients are professionals who are selling their expertise, such as consultants, coaches, attorneys, CPAs, accountants and bookkeepers, marketing professionals, and other professional services practitioners.

John is the national bestselling author of The Generosity Mindset: A Journey to Business Success by Raising Your Confidence, Value, and Prices.

The Secret Sauce E82

December 2, 2021 by Karen

Phoenix Business Radio

The Secret Sauce E82

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The Secret Sauce E82

Thomas Inserra is doing big things for small businesses. During the pandemic, he noticed the imbalance of small businesses being shuttered mainly due to the lack of capital. It was through this need an idea was born to provide banking needs to small businesses, but they provide even more than that. Integro Bank provides value to companies with free peer data and specially trained bankers that will help small business owners maximize their potential.

Integro Bank has the “secret sauce” that is two-part: access to data and helping business owners understand their options in order to make informed decisions. We’re excited to see where Integro Bank is going and all the work being done to help small businesses achieve success.

Phoenix based Integro Bank, a tech-based B2B start-up that recently received regulatory approval to organize and raise capital – has a Mission of helping small businesses grow and maximize employment. Integro Bank will be a digital bank with its proprietary Integro 360 consultation tool powered with impactful data analytics to serve the unique needs of small businesses.

The Bank’s primary market area will be the five-county region of Maricopa County in Arizona, Riverside County, San Diego County and Orange County in California, and Clark County in Nevada, with a major emphasis on Maricopa County. The Bank intends to have only one physical location as it will serve its clients through innovative digital services.

The Bank’s principal business office will be located at 16215 North 28th Avenue, Phoenix, Arizona 85053. The proposed Bank has 46 Founders who have contributed $5.5 million or 20% of the minimum capital to be raised. The Bio’s of the highly experienced executive officers and board members are on the company website at: www.integrobank.com.

Thomas Inserra has 30+ years’ banking experience including leadership roles at Pacific Mercantile Bank, Susquehanna Bank/BB&T, HFC, Citibank, the FDIC, served as CEO and Board Member of a publicly traded FinTech and CEO of a bank Asset Resolution corp. He also serves as a Founder/Investor.

Thomas held subsequent roles in Phoenix, AZ and Washington, DC at the FDIC during a major economic crisis helping to manage 747 distressed banks with $402 billion in assets. This experience allowed him to witness the incredible negative consequences that can occur during cyclical economic down cycles that are bound to occur, when some businesses and banks are inadequately prepared to weather challenging times.

This led to the realization of the importance of long-term planning, good governance, risk management, revenue diversification, measuring performance with metrics and studying best practices – to improve the sustainability of businesses and banks.

After helping to successfully turn-around a Southern California small business bank, Mr. Inserra returned home to Arizona and was quite dismayed to witness the harsh negative effects that COVID had on small business, and upon learning that Arizona ranked near last in the nation in PPP support of small business, and remembering the tremendously positive impact that small business employment had in transforming his own life, he felt a calling to do his part to help small business at a time when they most needed help.

Thomas shared his observations with other leaders – that banks were offering standardized products rather than rolling up their sleeves and providing customized consulting solutions like INTEGRO360sm – which is the solution that Small Business really needs to maximize growth. Soon, a Board and Executive team devoted exclusively to helping small business was formed.

Follow Integro Bank on LinkedIn, Facebook and Instagram.

About the Show

Tycoons of Small Biz spotlights the true backbone of the American economy, the true tycoons of business in America… the owners, founders and CEO’s of small businesses. Join hosts, Austin L Peterson, Landon Mance and the featured tycoons LIVE every Tuesday at 1 pm, right here on Business RadioX and your favorite podcast platform.

About Your Hosts

Austin Peterson is a Comprehensive Financial Planner and co-founder of Backbone Planning Partners in Scottsdale, AZ. Austin is a registered rep and investment advisor representative with Lincoln Financial Advisors. Prior to joining Lincoln Financial Advisors, Austin worked in a variety of roles in the financial services industry.

He began his career in financial services in the year 2000 as a personal financial advisor with Independent Capital Management in Santa Ana, CA. Austin then joined Pacific Life Insurance Company as an internal wholesaler for their variable annuity and mutual fund products. After Pacific Life, Austin formed his own financial planning company in Southern California that he built and ran for 6 years and eventually sold when he moved his family to Salt Lake City to pursue his MBA.

After he completed his MBA, Austin joined Crump Life Insurance where he filled a couple of different sales roles and eventually a management role throughout the five years he was with Crump. Most recently before joining Lincoln Financial Advisors in February 2015, Austin spent 2 years as a life insurance field wholesaler with Symetra Life Insurance Company. Austin is a Certified Financial Planner Professional and Chartered Life Underwriter. In 2021, Austin became a Certified Business Exit Consultant® (CBEC®) to help entrepreneurs plan to exit their businesses.

Austin and his wife of 23 years, Robin, have two children, AJ (21) and Ella (18) and they reside in Gilbert, Arizona. He is a graduate of California State University, Fullerton with a Bachelor of Arts in French and of Brigham Young University’s Marriott School of Management with a Master of Business Administration with an emphasis in sales and entrepreneurship.

Connect with Austin on LinkedIn, Facebook, Twitter, and Instagram.

Landon Mance is a Financial Planner and co-founder of Backbone Planning Partners out of Las Vegas, Nevada. He rebranded his practice in 2020 to focus on serving small business owners after operating as Mance Wealth Management since 2015 when Landon broke off from a major bank and started his own “shop.”

Landon comes from a family of successful entrepreneurs and has a passion and excitement for serving the business community. This passion is what brought about the growth of Backbone Planning Partners to help business owners and their families. At Backbone Planning, we believe small business owners’ personal and business goals are intertwined, so we work with our clients to design a financial plan to support all aspects of their lives.

In 2019, Landon obtained the Certified Exit Planning Advisor (CEPA) designation through the Exit Planning Institute. With this certification, Backbone Planning Partners assists business owners through an ownership transition while focusing on a positive outcome for their employees and meeting the business owner’s goals. Landon is also a member of the Business Intelligence Institute (BII) which is a collaborative group that shares tools, resources and personnel, and offers advanced level training and technical support to specifically serve business owners. In 2021, Landon became a Certified Business Exit Consultant® (CBEC®) to help entrepreneurs plan to exit their businesses by counseling owners about exit options, estimating the value of the business, preparing the business for exit and tax considerations.

Landon enjoys spending time with his beautiful wife, stepson, and new baby twins. He grew up in sunny San Diego and loves visiting his family, playing a round of golf with friends, and many other outdoor activities. Landon tries to make a difference in the lives of children in Las Vegas as a part of the leadership team for a local non-profit. He regularly visits the children that we work with to remind himself of why it’s so important to, “be the change that you wish to see in the world.”

Landon received his B.S. from California State University Long Beach in business marketing and gets the rest of his education through the school of hard knocks via his business owner clients.

Connect with Landon on LinkedIn.

Austin Peterson and Landon Mance are registered representatives of Lincoln Financial Advisors Corp. Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer (member SIPC) and registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Backbone Planning Partners is a marketing name for registered representatives of Lincoln Financial Advisors. CRN-3931594-112321

Lincoln Financial Advisors Corp. and its representatives do not provide legal or tax advice. You may want to consult a legal or tax advisor regarding any legal or tax information as it relates to your personal circumstances.

The content presented is for informational and educational purposes. The information covered and posted are views and opinions of the guests and not necessarily those of Lincoln Financial Advisors Corp.

Business RadioX® is a separate entity not affiliated with Lincoln Financial Advisors Corp.

MIND MONEY MOTION Elena Zee with ACEE and Lupe Camargo with Perspective Financial Services

September 19, 2019 by Karen

Phoenix Business Radio

MIND MONEY MOTION Elena Zee with ACEE and Lupe Camargo with Perspective Financial Services

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MIND MONEY MOTION Elena Zee with ACEE and Lupe Camargo with Perspective Financial Services

Financial success is 20% head knowledge and 80% behavior. So it’s crucial to be sure we have a good foundation of knowledge and understanding. Personal finance is a life skill that needs to be taught in our schools and reinforced at home. Elena Zee from the Arizona Council on Economic Education, shares how Arizona is educating students as part of the new law passed requiring personal finance as a graduation requirement. Childhood is often the beginning of our money script messages in our head and then consumer marketing knows how to trigger emotions to impact our purchasing, not always for our own good. Lupe Camargo, from Perspective Financial Services, discusses our habit loops and how we can make positive behavior change when it comes to money decisions or any area we want to improve in our life.

Our mindset and body/mind connections are key factors that impact our health, success, and happiness in life. Not sure where to start or what next step to take? Listen in to what our guests have to share and challenge yourself to act on one of their tips. Elena offers fun ways to help children practice critical thinking when it comes to money decisions, how to consider the opportunity cost when you make your own personal purchase decisions, and encourages us to focus our actions on the question “what kind of life do I want to live?”. Lupe reminds us of the science behind marketing, steps we can take to work around our brain’s tendencies in order to be successful in making change and how we can overcome that “I am not good with money” script in our head.

The ACEE envisions a world where all school-aged children are empowered through economic and personal financial literacy to make informed and rational choices throughout their lives as consumers, savers and investors, workers, entrepreneurs, citizens, and participants in a global economy.

Our Mission is to reach and teach every Arizona student to become financially and economically responsible in work and life.

Elena Zee is President and CEO of the Arizona Council on Economic Education. Prior to this role, Elena had worked in the global financial services industry for more than twenty years, with her first job as an econometrician developing predictive modeling to launch new products at American Express in New York. She was then promoted to Director of International Operations responsible for customer service, business growth and process improvement worldwide.

Elena’s extensive work and travel internationally brought her to Arizona to build the international information management MIS and business analytics infrastructure and teams. Elena has a Master’s Degree in Economics from Columbia University and Double Bachelor’s degrees in Economics and Math from Wellesley College. She is a graduate of Lodestar American Express Leadership Academy Class VII and Valley Leadership Class 40. She is also a Certified Financial PlannerTM, and taught financial planning and economics at universities.

Elena is very passionate about education, professional development, economic empowerment, and international exchange, having served on the boards of Global Economic Education Alliance, Organization for Nonprofit Executives, National Association of Economic Educators, Phi Beta Kappa of Greater Phoenix, and Chinese Chamber of Commerce of Arizona. Elena has represented the City of Phoenix multiple times to visit China for cultural, education, tourism and business exchange.

Follow ACEE on Twitter and Facebook.

Perspective Financial Services is a full service Financial Planning and Investment Management firm. They are fee-only planners acting as their clients’ fiduciary, putting clients’ interests before their own. They do not receive commissions or any third-party sales which allows them to remain free of conflicts of interest.

As qualified financial planners they help manage finances, provide direction in identifying goals, and help maintain a balanced portfolio in uncertain economic times. They strive first to understand clients background, philosophy, needs, objectives and concerns to develop a personal plan for their unique situation. They then provide the necessary resources to understand options to make confident decisions.

They help clients gain control of their financial life with a range of customized services and online tools that will organize everything from budgeting, taxes and insurance needs to planning, investments and goal setting.

Lupe Camargo has been serving clients as a financial planner for 15 years. She received her undergraduate degree from Arizona State, and her MBA from University of Texas at Austin. Prior to becoming a financial planner, Lupe held management positions with US West and Honeywell.

In addition to providing financial planning services, Lupe also works with clients to explore opportunities to create stronger financial habits, and understand behaviors that may be preventing them from achieving their goals. She is a lifelong learner, and has been certified and has conducted boot camps on behavior change. This passion began as she pursued her goal of optimizing her own health.

She is active in her community, and has dedicated years of service to both the Girl Scouts AZ Cactus Pine Council, and the Friends of the Tempe Public Library.

Connect with Lupe on LinkedIn.

ABOUT OUR SPONSORS

The Women’s Enterprise Foundation (WEF) is a 501(C)3 charitable organization that supports and inspires women business owners within the greater Phoenix area. For over 10 years we have sponsored women through scholarships and grant funding. Our monthly scholarship applications and bi-annual grant opportunities have assisted over 20 women in 2018 and 2019. These women continue to develop themselves as business leaders. The grants give them the increased capital to help generate greater revenue in their business. Scholarships help support their business growth through leadership and business training. We know when women grow their businesses, they benefit entire communities.

The first Friday in November each year, we hold our annual fundraiser at the Scottsdale Resort at McCormick Ranch. This year our featured guest speaker will be Dr. Connie Mariano, the first military woman to serve as a White House Physician to the President. Info for scholarships and grants, as well as our upcoming event may be found at .

WEF is proud to sponsor Marie Burns in her podcasts, Mind, Money and Motion, that will positively educate women about money habits. We are excited for Marie Burns to spread her message, as it is consistent with the success for women in business, as well as their personal financial growth.

Our financial support of Marie’s grant continues to create a foundation that WEF fosters. We believe that women are the glue for their communities as they participate in, orchestrate and mediate relationships, opportunities and business growth. We are confident that her support and success will multiply and benefit many others.

Mind Money Motion is an education business whose mission is to help women worry less about running out of money by keeping their mind and body healthy so they can enjoy LESS WORRY, MORE LIFE.

Money is the number one stressor in American’s lives and one of the main reasons for divorce. Women are often uncomfortable with financial decisions OR don’t have the time or interest to take care of financial matters OR don’t know where to begin or if they are on track.

As the founder, Marie Burns provides tools and resources through her podcast, books, speaking events, website and social media to be the financial advocate women need.

ABOUT YOUR HOST:

Marie Burns, a Certified Financial Planner (CFP®), has been advocating for clients’ financial health for almost 20 years.

Originally from Wisconsin, she has helped clients with their financial lives in a fiduciary capacity in a bank setting, accounting firm, at Vanguard, at a financial planning firm and now has an independent advisory practice where she offers financial planning and investment management called Focus Point Planning.

She is a volunteer ambassador and board member for The Financial Awareness Foundation, member of the Financial Planning Association, board member for the Senior Advocacy Group of Ahwatukee, author of a financial checklist book series, and podcast host of Mind, Money, Motion, where she strives to help women enjoy LESS WORRY, MORE LIFE!

Follow Mind, Money, Motion on Facebook.

BUSINESS SOLUTIONS RADIO Jeremy Neis with Retirement Evolutions and Scott McLaine and Angie Merget with BrightWealth Academy

February 20, 2019 by Karen

Phoenix Business Radio

BUSINESS SOLUTIONS RADIO Jeremy Neis with Retirement Evolutions and Scott McLaine and Angie Merget with BrightWealth Academy

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BUSINESS SOLUTIONS RADIO Jeremy Neis with Retirement Evolutions and Scott McLaine and Angie Merget with BrightWealth Academy

Retirement Evolutions concentrates on what they label “People Centered Wealth Management”. Finances are just one dynamic of wealth and so Retirement Evolutions is there to help guide you to “invest in what you value.” Many people value that they won’t leave a mess behind for loved ones when they are gone. Some people value the thought of a secure and comfortable retirement. While other people value supporting organizations that are contributing to make the world a better place through impact / socially responsible investing and efficient philanthropy. Whatever you happen to value at this phase of life, they will help you create a comprehensive map that brings all the elements of your wealth into one clearly focused picture and help you take action toward your goals.

Jeremy Neis is an Investment Advisor with Retirement Evolutions and a small business operator fueled by the desire to enrich the life experience. He grew up in the Chicago area and chased the sun to get a degree at the University of Arizona in human and organizational communications. After doing so, he returned to Illinois where over the next 15 years he would find joy in co-launching and growing a technology solutions company and establishing a family. In 2014 he returned to the desert to join his current venture.

Jeremy is a proud contributor to the Conscious Capitalism movement as he views it as a powerful vehicle to bring about greater prosperity and reduced suffering for our human family. Over his career he has had the privilege to work closely with hundreds of different enterprises across many markets and industries. A common theme emerges among those firms that he’s seen excel and that is to be great not just with what they are bringing to market, but also with the manner in which they are doing so.

Follow Retirement Evolutions on LinkedIn, Facebook and Twitter.

BrightWealth Academy delivers world-class wealth building education and best-practices personal finance training to the everyday American working professional and their families. “We help you grow wealthy … faster.”

Scott McLaine is an accomplished public speaker, financial success coach and business consultant. He is an excellent communicator who immediately builds the trust of the individuals and audiences he works with. He has trained thousands of business professionals, business owners, and entrepreneurs around the country.

Scott is the Academy Instructor, Founder and CEO of BrightWealth Academy.

Connect with Scott on LinkedIn and follow BrightWealth Academy on Facebook.

Angie Merget is the Director of Business Development and the Corporate Financial Wellness Ambassador at BrightWealth Academy. Angie has a very diverse background. She studied at Rutgers where she graduated with highest honors and received a master’s degree in Engineering. Her background is in civil engineering where she was in heavy construction building bridges and highways. She’s been in the valley for over 6 years and is originally from New Jersey. She has also lived in Hawaii and Turkey and has traveled to over 20 countries. She is excited to bring financial education to the country and to help change many lives while doing so.

Connect with Angie on LinkedIn, Facebook or via email

ABOUT YOUR BUSINESS SOLUTIONS RADIO HOST

In 2014, Jon Deiter was working on the leadership team of a company which began implementing the Entrepreneurial Operating System® (EOS®). Jon experienced first-hand the value and power of EOS and its simple tools to establish a clear vision, gain traction toward that vision, and grow a healthy team.

He also came to realize his true motivation and passion ….. to help many more companies achieve great things through implementing EOS! He was trained as a Professional EOS Implementer and since 2015 has been working with organizations to help them implement EOS. He offers his implementation/coaching services through his company, Jon Deiter Solutions, LLC.

EOS is a people-centric management system that embodies successful, proven ways of working with people and a team. In addition to company growth and achieving the life you desire, implementing EOS has positive impacts to employees, culture and team health.

Jon has worked for over 30 years in leadership/management positions in privately held and family owned entrepreneurial businesses as well as smaller divisions of public companies. He earned an MBA in Finance from Benedictine University in Lisle, Illinois and he has worked as a licensed CPA with Accreditation in Business Valuation and Certified Global Management Accountant. He has held positions in a variety of industries as Tax Advisor, Consultant, Controller, Vice President, CFO, and President.

His leadership career in manufacturing, distribution and service businesses, along with experience as both a user and implementer of EOS, give Jon a unique perspective to pursue his passion of helping business owners and leadership teams achieve all they want from their business.

Jon is active in the Conscious Capitalism movement and is a founding member and Treasurer of the Arizona Chapter of Conscious Capitalism. Jon lives in Chandler, Arizona with his wife Julie, having moved to Arizona from Chicago suburbs in 2003.

www.linkedin.com/in/jondeitereosimplementer
www.eosworldwide.com
www.consciouscapitalismaz.com
Jon’s Direct Line: 480-760-5809

BEST OF HEALTH Marie Burns with Paper Lifesavers and Focus Point Planning

December 27, 2018 by Karen

Best Of Health

BEST OF HEALTH Marie Burns with Paper Lifesavers and Focus Point Planning

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BEST OF HEALTH Marie Burns with Paper Lifesavers and Focus Point Planning

Paper Lifesavers, providing checklist books that just may “save your life” financially before and after major life events.

Marie Burns, a Certified Financial Planner (CFP) with insurance and securities licenses, has been advocating for clients as a financial advisor for close to 20 years. She is a member of the Financial Planning Association nationally and locally, 100+ Women Who Care, Ahwatukee Foothills Friends and Neighbors, and Mountain Park Church. Originally from Wisconsin, she has helped clients with their financial lives in a bank setting, accounting firm, at Vanguard, at a financial planning firm and now writes and speaks and has her own practice with an independent Registered Investment Advisory firm. She enjoys cooking, reading, walking, hiking, Zumba and especially creating memories with family and friends.

Connect with Marie on LinkedIn and follow Paper Lifesavers Facebook.

WHY BEST OF HEALTH?

I am a Physician Assistant who has been caring for patients for over 20 years and Family Practice (cradle to grave) is my specialty.

Following the footsteps of three generations of family practice physicians (my father, grandfather and great grandfather) this was a natural and genetic calling that I do not regret.

Given this, I have a unique perspective and it’s time to share that perspective through Ask the PA. As a health care provider, teacher, business owner, patient, and advocate for my family and friends throughout the years, it has been painfully apparent there are disconnects within the current state of health care in the US and throughout the world. It can be confusing and frankly very scary.

It is my goal though this series, Best of Health, to bring people together that are passionate about their roles in the business of health care… and yes, whether or not you want to hear that it’s a business, it is — and that’s the fact. I will introduce to you great, dedicated practitioners and people with a passion for getting the word out about their personal journeys and causes. I will provide information about navigating through a confusing system, asking the right questions and share ways for saving money and time along the way.

It’s time to create change by partnering, empowering, and focusing on the patient, their families and their providers of care. It’s time for you to take the driver’s seat rather than leave your health care solely in the hands of entities such as insurance companies and the pharmaceutical industry.

Stay tuned. Here’s to your Best of Health.

~ Barb

ABOUT BARB

Barb is a Physician Assistant (PA) and a primary care provider with a passion for education and advocacy. Prior to becoming a Physician Assistant (PA), Barb was an accomplished musician and teacher. In 1992, Barb made the conscious decision to leave teaching and her musical career in pursuit of a career in medicine. She graduated from AT Still University’s first PA class in 1997 with a Masters of Science in Physician Assistant Studies.

Barb has spent several years working in clinics and family practices. Currently, Barb works for Premise Health at Insight Enterprises in Tempe, AZ as a solo practitioner providing primary care to employees and families on campus. She was also a partner in Renaissance Medical Group and Renaissance Medical Properties in Chandler and Maricopa, AZ and had a dual role of Chief Operations Officer and practicing PA for 14 years.

Along with being a PA, Barb is the author of the book Surviving the “Business” of Healthcare, Knowledge is Power! She is a certified Medical Professional Legal Consultant and Patient Advocate, speaker and influencer for change in healthcare for the patient, provider and family members. Barb is also certified by the National Commission of Certification of Physician Assistants and is an active member of the American Academy of Physician Assistants.

In her spare time, she loves to travel, maintaining an active lifestyle that includes running, biking, swimming. She loves to spend time outdoors with her family and friends, whether it’s walking on the beach or hiking in the desert.

For more information about Ask the PA and to connect with Barb:

Askthepa.com

Facebook: Ask the PA

LinkedIn: Barb Regis, M.S.,PA-C

Author and Financial Planner Marie Burns with Paper Lifesavers and Focus Point Planning

October 18, 2018 by Karen

Author-Financial-Planner-Marie-Burns-Paper-Lifesavers-Focus-Point-Planning

Phoenix Business Radio

Author and Financial Planner Marie Burns with Paper Lifesavers and Focus Point Planning

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Author and Financial Planner Marie Burns with Paper Lifesavers and Focus Point Planning

Paper Lifesavers, providing checklist books that just may “save your life” financially before and after major life events.

Originally from Wisconsin, she has helped clients with their financial lives in a bank setting, accounting firm, at Vanguard, at a financial planning firm and now writes and speaks and has her own practice with an independent Registered Investment Advisory firm. She enjoys cooking, reading, walking, hiking, Zumba and especially creating memories with family and friends.

Connect with Marie on LinkedIn, and follow Paper Lifesavers on Facebook.